Legal Subjectivity:

Although it is possible to negotiate with the bank to repay only the principal, you must be prepared for both, and do not hold out too much hope. After all, each bank has The regulations are different. 1. If the amount of debt owed is not large and the interest generated is not much, there is no need to negotiate, and the bank will not agree to it, so it is better not to do this in vain; 2. If the amount of debt owed is not large, but If the overdue period is relatively long and a lot of interest is generated, this situation must be negotiated. You have to pay off the debt to eliminate the bad credit record. For example, let’s say your debt amount is only about 2,000, but it is overdue. In 2 years, I have to pay back more than 10,000 yuan with interest, which is not a small amount. 3. When negotiating, you should take the initiative to call the bank and talk to the bank in an emotional and rational manner. Of course, don’t forget to record the money. Tell the bank on the phone that you want to repay, and then tell the bank the principal amount you owe and the interest accrued. Be clear and at the same time express your difficult situation. You only have money to repay the principal and no money to repay the interest. However, the last thing I want to say is that no matter whether the negotiation to repay only the principal can be successful or not, as long as you are overdue, it is best to pay back some money every month and express your willingness to repay. This will not constitute a crime of credit card fraud. Bank If I don't embarrass you, I won't contact the police to arrest you. Legal objectivity:

Article 243 of the Civil Procedure Law of the People's Republic of China must fulfill the legally effective civil judgments and rulings that the parties concerned must perform. If one party refuses to perform, the other party may apply to the People's Court for enforcement, or the judge may transfer the matter to an execution officer for enforcement. The parties concerned must perform the mediation agreement and other legal documents that should be executed by the People's Court. If one party refuses to perform, the other party may apply to the People's Court for enforcement. Article 245 If one party fails to perform a creditor's rights document that has been legally enforceable by a notary office, the other party may apply to the people's court with jurisdiction for enforcement, and the people's court that receives the application shall enforce the obligation. If there is indeed an error in the notarized creditor's rights document, the People's Court shall rule not to enforce it and shall serve the ruling to both parties and the notary office.